You want to retire with Rs 5 crore in India. That’s a good solid goal to have in 2021. Till the 2000s, there was a common belief that Rs 1 crore would be enough to retire comfortably. But with inflation…
Read More How to build Retirement Corpus of Rs 5 crore – in 15, 20, 25, 30 & 35 years?
First, low NAV doesn’t mean that it’s a cheaper fund. Second, NO, cheap or low NAV is not better in mutual funds. In reality, the NAV of a fund is irrelevant and ideally, it shouldn’t even be considered when making…
Which is the Best SIP date for mutual fund SIP investments in India? This is one of the questions that I often get from readers (as well as my financial planning clients). Some similar questions are - Which is the…
ESG mutual funds are a new trend in the Indian mutual fund space. I am sure you must have heard about it. Many new funds have been launched in the ESG space over the past 1-year and in 2020-2021. But…
Read More ESG Mutual Funds in India: Should you invest (2021)?
The advice in the title seems odd as I vouch for index investing. But hear me out first. The passive funds scene in India is heating up. A new entrant and a very AMC named NAVI Mutual Funds (which is…
Read More Cheapest (LOWEST) cost Index Fund launched – Don’t Invest!
When stock markets rise, it's not just the IPOs that come in quick succession. Even the mutual fund houses or AMCs want a slice of the pie and launch new offerings (NFOs or New Fund Offers). And this is what…
Note – This is a guest post by Ajay. He has previously written on this topic (links in later part of the post) and now updates his thoughts on the basis of 2021 data. Ajay has also authored other interesting…
Read More Mutual Funds Vs Real Estate: Which is better for Investing in India? (2021 Update)
Many people somehow end up with too many mutual fund schemes from the same fund house (AMC). Though it's not an immediate risk, nevertheless can be a risk at some point in the future. Hence, it’s advisable to not have…
For many, travelling is an important goal. I am one of them. I like to travel (read this). If time and schedule permit. But in general, I aim to travel to a new location once every 6 months. So if…
If you are into passive investing (via index funds and ETFs) in India, then you would know about the Nifty Next 50 index. But how does Nifty Next 50 differ from Nifty 50, how should you choose between Nifty 50…
Read More Nifty vs Nifty Next 50 Index Funds: Which to choose?
You can quit smoking and save money. But you already know that. Right? And to be honest, I think trying to influence someone to kick the smoky habit by trying to show them the financial angle may not be the…
Read More How much can you save if you quit smoking? (Real Numbers)
I got queries from clients and a few other mails recently about credit risk funds. I am not much in favor of taking credit risk. But given the recent outperformance of the credit funds compared to other debt fund categories…
Read More Credit Risk Funds’ 1-year Returns are Good. But still Avoid them.
The debt funds have seen their returns moderate for some time now. The extent of this fall in returns differs based on the debt fund categories one is invested in. Some categories have been giving negative returns too in some…
Read More My Debt Funds are giving Poor Returns. What to do?
Recently, the mutual fund space saw two new entrants. One was Groww that acquired Indiabulls AMC’s portfolio while the other was NJ India, a pan-India distributor that is now entering into AMC space itself after selling MFs for years. And…
Read More New Mutual Fund AMCs coming. Should you rush to invest in their Schemes?
Some popular index funds in India, namely HDFC Index Fund-NIFTY 50, HDFC Index Fund-Sensex Plan and UTI Nifty Index Fund have decided to raise the expense ratios Increasing or decreasing of expense ratio is a common event in the mutual…
Read More Index Funds raising Expense Ratio. What should index fund investors do?
